2248 NE Division St
Bend, OR 97703
971-270-2278
2248 NE Division St
Bend, OR 97703
971-270-2278
Landlord Insurance
Owning rental property is a smart investment, but it comes with unique risks. Landlord insurance protects the structure you own, your liability as a property owner, and your rental income when a covered loss makes the unit unlivable. Lambert Insurance LLC helps single-property owners and portfolio landlords find the right fit.
Comprehensive Protection
Being a landlord means managing risks that homeowners never face. A specialized landlord policy protects the dwelling itself while addressing the unique liability challenges that come with tenants and their guests. When someone slips on icy steps, gets injured by a faulty handrail, or faces property damage from incidents on your rental property, your liability coverage handles medical expenses, legal fees, and potential settlements. The policy also extends to cover owner-provided appliances like refrigerators, washers, and dryers, plus any furnishings you include with the rental, protecting these investments from tenant damage or covered perils like fire and theft.
One of the most valuable features of landlord insurance is loss of rent coverage, which replaces your rental income when covered damage makes your property uninhabitable. Whether it's fire damage, severe storm destruction, or vandalism that forces tenants to relocate temporarily, this coverage ensures you can continue meeting your mortgage payments and expenses while repairs are underway. Lambert Insurance works with carriers who understand rental property risks, helping you find comprehensive landlord coverage that protects both your property investment and your rental income stream.
Call Now 971-270-2278 or Get a Free Quote
A kitchen fire damages cabinets and walls. A visitor slips on a stair and needs medical care. A burst pipe makes an apartment uninhabitable for a month. Landlord insurance helps you repair, recover rent, and move forward.
What Is Covered by Landlord Insurance?
Coverage generally applies to damage from fire, certain storms, vandalism, and accidental water discharge, as well as premises liability in the event of an injury on the premises. Loss of rental income can be included when a covered event forces tenants out during repairs.
Who Needs Landlord Insurance?
Owners of single-family rentals, duplexes, multi-unit buildings, and condos offered for rent all need dedicated landlord coverage. It’s different from a homeowners' policy and built for rentals.
Protect your property and your income stream. Call (971) 270-2278 to speak with Lambert Insurance LLC.
Coverage for building owners who lease space—combines property coverage for the building with premises liability for ownership/maintenance.
Yes—occupancy type and tenant controls impact eligibility, pricing, and required safeguards (e.g., sprinklers for restaurants).
Tenant GL with landlord as additional insured, waiver of subrogation, hold-harmless clauses, and evidence of property/contents coverage.
No—tenants insure their own business personal property and improvements & betterments under their policies.
Yes—Business Income/Rental Value can replace lost rent after a covered property loss that makes units uninhabitable.
It helps pay for demolition and increased construction costs required by updated building codes after a covered loss.
Evidence of property limits, replacement cost, loss payee/mortgagee, liability, and proof of Business Income or Rental Value limits.
Partner Carriers
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